"...Consumers report the harm to their reputation or daily life. The most common non-monetary harm reported by consumers is damage to their credit report through derogatory, inaccurate information. Forty-nine percent of California consumers reported that they were harmed in this manner. This negative credit information leads to the other problems most commonly reported by victims, including loan denials, bounced checks, and rejection of credit cards (taken from testimony link on site)" http://forums.about.com/ab-credit/messages?lgnF=y&msg=351.2
